Side-by-side · Q2 2026 data
Citizens Guaranty Bank vs Guardian Savings Bank
Metric by metric
| Measure | Citizens Guaranty Bank | Guardian Savings Bank |
|---|---|---|
| TellerScore | 48 | 83 (stronger) |
| Capital cushion | 36 | 64 (stronger) |
| Loan quality | 30 | 93 (stronger) |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 53 | 72 (stronger) |
| Problem-loan coverage | 53 | 97 (stronger) |
| Peer percentile | 6th | 94th |
| Total assets | $303.6M | $1.4B |
| Deposits / shares | $260.7M | $1.2B |
| Capital ratio | 8.65% | 11.39% (stronger) |
| Problem loans | 2.11% | 0.20% (stronger) |
| Net charge-offs | 0.32% | -0.00% (stronger) |
| Return on assets | 1.51% | 2.00% (stronger) |
| Loans ÷ deposits | 107.0% | 88.1% (stronger) |
| Uninsured deposits | 14.1% | 13.7% (stronger) |
| Offices | 6 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Citizens Guaranty Bank leads on 0 and Guardian Savings Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.